u.s., they're not concerned so they lobby in a different direction. >> thank you. i will ask one more question. this is my second round. if you fast forward to today and look at the other end of the buchan, march 4, 2011, problems we have now, the chair has described moral hazard and the like. we talked about that. what did you do? i can anticipate your answers as i think you've given them, just to make it very clear on the record, what would you recommend march 4, 2011? >> briefly, first, i want to emphasize the things we have said. one, you need more capital. and that you need increasing capital has to be with the size of the bank's, the risk of too big to fail. it has to be that this distortion has to be eliminated. secondly, if you have a problem, you should play by the ordinary rules of capitalism. when you go into bankruptcy, you convert that to equity. it is really a version of the standard rules of capitalism. you look at the numbers back in citibank, they had enough long- term cap